paulus99

@sophielouisecc Why did the government in this country create a system where people in the public sector have, on average, statistically four times better pension obligations than people in the private sector?

No. I don’t think pensioners should have to sell their houses to retire

@PeterMcCormack 2. It's enough for some idiots to block others, and in such moments, the economy and domestic companies (including those in the UK) thrive. This is the foundation a country needs for development and growth

The uncomfortable truth, you all know that the vast majority of politicians are bullshitters and have no idea how to run a country. The reason you vote is: 1. They said some vague things you agree with 2. You don’t want someone else to win 3. You still think democracy works 4. You don’t understand the financial system which extracts from you whoever wins

@Joker68069137 Wybaczamy i prosimy o wybaczenie🙃

Przez te lata myliłem się we wszystkim: 1. Tak naprawdę wyceny przewidują stopy zwrotu i mają znaczenie. 2. Państwa zachodnie mają problem z długiem. 3. Jesteśmy w super kryzysie od kilkudziesięciu lat. 4. Akcje rosną tylko przez dodruk. 5. Bankierzy centrali to geniusze i prawdziwi fachowcy. 6. Politycy znają się na gospodarce lepiej od przedsiębiorców. Wybaczcie że tak bardzo się myliłem.

@kennyzool @Thesecretinves2 One of hundreds, maybe thousands, of problems that occur in such programs

@Thesecretinves2 Sounds good, but Koinly can't handle half the coins I've traded (and they're not even that weird)

A client came to me with 28,000+ crypto transactions and a letter from HMRC. He'd been trading across multiple exchanges for years and had never filed a return. Here's what we found 🧵 First job: get everything into one place. Binance, Coinbase. Multiple wallets. Years of history. The Koinly report alone was overwhelming. But buried inside were thousands of transactions his previous accountant had never even looked at. The problem with ignoring crypto tax isn't just the bill. It's the interest. The penalties. And the fact that HMRC now has blockchain analytics tools that can find wallets you forgot you had. Once we reconstructed the full picture, the liability was significant -- but manageable. More importantly, it was accurate. Not a worst-case HMRC estimate. His number, calculated properly, with every allowance and loss accounted for. We submitted a voluntary disclosure, presented the workings clearly, and avoided the higher penalties that come with HMRC finding you first. The lesson: The size of your crypto history doesn't matter. What matters is whether someone has actually looked at it properly. Most people haven't. Most accountants won't. If this sounds familiar, DM me or arrange a chat

Most people work for money. Ray Dalio shows you how money should work for you — 39 minutes is all it takes.

In 1999, Buffett explained why most people never get rich.

Warren Buffett: “If you invest in a stock, you must be mentally ready to watch it drop 50% or even more.” Buffett saw his $AXP drop by 83% from its highs during the 2008 crisis. He didn’t sell a single share. It’s now a 44x position for him. Staying dead calm is what it takes.

@Thesecretinves2 Currently, crypto investors spend more time filing taxes than focusing on how to earn capital.

@Thesecretinves2 Of course, people aren't to blame for this situation; the legislature is to blame for creating such a complicated tax system for cryptocurrencies, which is practically impossible for the vast majority of people to calculate. This is simply absurd.

@Thesecretinves2 The solution is to check every transaction and correct it manually. Again, despite their best intentions, over 95% of people are unable to calculate their tax correctly, and the vast majority of reports they send to the tax office are nonsense

@Thesecretinves2 As a result, HMRC receives mostly false reports that have nothing to do with proper settlement. People have no idea how to calculate it all; accountants don't either, because they're unfamiliar with programs like Koinly and similar programs.

W poniższym wątku macie listę promptow do Claude, które podrasują Wasze CV i profil na LinkedIn. Warto zapisać sobie do zakładek. Nigdy nie wiadomo, kiedy się przyda.

The 10 Netflix documentaries you can't miss: 1.

100 boring ways to win at life: 1 - Wake up before your kids. 2 - Make your bed. 3 - Pray before you check your phone. 4 - Drink more water. 5 - Exercise daily. 6 - Eat real food. 7 - Budget every dollar. 8 - Pay yourself first. 9 - Automate your investments. 10 - Read 10 pages a day. 11 - Go to bed early. 12 - Marry someone with the same values. 13 - Combine your finances. 14 - Date your spouse weekly. 15 - Say "I love you" out loud. 16 - Go on walks together. 17 - Fight fair. 18 - Apologize fast. 19 - Never keep score. 20 - Put your phone down when they talk. 21 - Cook at home. 22 - Meal prep Sundays. 23 - Pack your lunch. 24 - Track your spending. 25 - Cancel old subscriptions. 26 - Spend less than you make. 27 - Keep 3-6 months in savings. 28 - Never carry a credit card balance. 29 - Negotiate your bills once a year. 30 - Buy quality. 31 - Max your Roth IRA. 32 - Get your 401k match. 33 - Open an HSA. 34 - Dollar cost average weekly. 35 - Reinvest dividends. 36 - Invest in 1-5 ETFs. 37 - Keep fees under 0.2%. 38 - Never time the market. 39 - Never panic sell. 40 - Never day trade. 41 - Get term life insurance. 42 - Ignore whole life insurance. 43 - Create a will. 44 - Update your estate plan every 3 years. 45 - Open a 529 plan for your kids 46 - Teach them about money early. 47 - Let them see you fail. 48 - Hug them more than you need to. 49 - Be present. 50 - Eat dinner together. 51 - Stop watching TV. 52 - Stop making excuses. 53 - Stop chasing motivation. 54 - Stop comparing yourself to others. 55 - Stop outsourcing your thinking. 56 - Stop confusing busy with productive. 57 - Stop lending money you can't lose. 58 - Stop blaming the economy. 59 - Stop waiting for the right time. 60 - Stop saying "someday." 61 - Stop leasing cars. 62 - Stop financing furniture. 63 - Stop paying minimums. 64 - Stop keeping up with the Joneses. 65 - Start living like you know you're going to die. 66 - Show up 5 minutes early. 67 - Keep your promises. 68 - Finish what you start. 69 - Admit when you're wrong. 70 - Do the hard thing first. 71 - Give generously. 72 - Tip 20% minimum. 73 - Volunteer. 74 - Say grace. 75 - Call your parents. 76 - Journal daily. 77 - Walk without headphones. 78 - Stretch every morning. 79 - Protect your sleep. 80 - Delete social media (or only follow my page 😉) 81 - Get a CPA before you need one. 82 - Get an attorney before you need one. 83 - Ask doctors for itemized receipts. 84 - Review insurance annually. 85 - Check credit reports quarterly. 86 - Invest your raises. 87 - Invest your bonuses. 88 - Invest your tax refunds. 89 - Let your lifestyle lag your income by 2 years. 90 - Treat compound interest like the miracle it is. 91 - Audit your circle. 92 - Network up. 93 - Pay for expertise. 94 - Invest in yourself. 95 - Use systems over willpower. 96 - Act like who you want to become. 97 - Put your family over your career. 98 - Remember why you started. 99 - Trust God. 100 - Follow me for more @budgetdog 🤝🏻

R.I.P. Google Flights. R.I.P. Booking. com. R.I.P. Skyscanner. Cluade just made them all irrelevant. I saved $1,041 on one flight. Here are the 8 prompts I used 👇

Za 100lat nikogo nie będziesz obchodzić, Ty, Twoje nazwisko, Twoje wtopy, Twoja duma ani to, że dziś bałeś się wyjść na głupka. Czas zamienia ludzkie dramaty w pył. Większość naszych lęków społecznych to teatr grany pod publikę, która się tym nie interesuje. Ludzie są zajęci sobą, nie Tobą. Jeśli znikniesz firma znajdzie zastępstwo, rynek się nie zatrzyma. Znajomi chwilę pogadają, po czym wrócą do swoich spraw. Świat idzie dalej... Skoro z czasem większość opinii znika do zera, to strach przed cudzą oceną jest jedną z bezsensownych form marnowania życia. Jak mówią koszt każdej "rzeczy" to ilość życia, jaką musisz za nią wymienić. Nie jest ważne co pomyślą inni, tylko czy chcesz oddawać swoje życie ludziom, którzy za chwilę i tak zajmą się sobą i o Tobie zapomną?

W 2022 wyznaczyłem okno czasowe na dno BTC i późniejszy top. Dzisiaj robię to od nowa. Macie poziomy. Macie czas. Bazowy scenariusz jest prosty: - dca od drugiej połowy wakacji, - koniec w listopadzie, - chcemy kompresji wykresu i średnich, - zakładam zejście jeszcze jedno w dół. Nie trzeba się spieszyć z zakupami, zawsze można wejść w pozycję po potwierdzeniu. (w ost cyklu było to 21k$) Nie jest to porada finansowa. 1/3